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Harborone Bank

IDRSSD: 40499
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #40499 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +2
65
Sub-score

Liquidity is stable: brokered 8.4%, loans/deposits 103.2%, cash 4.2% of assets.

Cash / Assets
4.21%
Loans / Deposits
103.19%
Brokered %
8.40%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

StableQoQ 0
65
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 9.10%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ -4
93
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 5.4%, NCO YTD 0.71%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.71%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -11
75
Sub-score

Reserves are stable: ALLL 1.02% of loans, coverage 159.6%, true coverage 105.5%.

ALLL / Loans
1.02%
Coverage
159.6%
True Loss Coverage
105.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 03:51:43 UTC